Arizona is a great place to live and drive and Chandler, AZ is no exception. Arizona requires that all drivers carry at least basic liability auto insurance, they mandate 15/30/10 coverage. At San Marcos Insurance Group our team has years of insurance experience. We have the information you need to decide if basic auto insurance provides enough coverage.
Liability insurance is an important coverage. It protects you in the event that you have an auto accident and are found to be at fault. Medical bills can be astronomical these days and lawsuits filed after an accident can also go through the roof. If you own a home and/or have assets, basic liability coverage may just not be enough to protect you. You can add additional liability insurance to a basic policy to provide the protection you need.
If your vehicle is something that you would have a hard time living without, you want to make sure that it is repaired or replaced in the event that it is damaged. Two types of additional coverage help to make sure that you and your vehicle are covered.
Collision coverage pays to have your vehicle repaired or replaced when you are involved in a collision with another vehicle and you are at fault. It has a deductible that must be met first and then it pays out up to the limit of the policy.
Comprehensive insurance helps to repair or replace your vehicle if it is damaged by something other than a collision. It may be damage from things like fire, hail or strong winds. It also replaces your car in the event that it is stolen. Glass coverage is usually included in comprehensive coverage.
How much auto insurance is enough is an important consideration and the type of thing that you should discuss with the team at San Marcos Insurance Group in Chandler, AZ. Call our office or stop by for a no-obligation quote.